Home Equity Loans

*APR = Annual Percentage Rate. No Closing Cost offer dictates the following being paid by Horizon Federal Credit Union: appraisal, title search, recording fees and flood certification. Closing costs must be reimbursed to the credit union if the home equity loan is closed within 3 years. Alternate rates available for loan-to-values of up to 100% of homes value and second lien position. Rates are determined by term, overall credit history, loan-to- value, lien position, account relationship with the credit union and type of property. Conventional stick built residences and double wide manufactured residences only.

4.25%
This is an adjustable rate based on the Wall Street Journal Prime Rate minus 0.75%

*APR=Annual Percentage Rate. No closing costs as long as the line remains open for 3 years. Rate is adjustable and subject to change quarterly. Rate is based on The Wall Street Journal Prime Rate plus or minus a margin. Margin based on the amount of the credit line, overall credit history, loan-to-value and lien position. Rate quoted is for 70% loan-to-value, first lien position, credit limit of $50,000.00-$100,000.00 and credit score of 720 or higher. Alternate rates for loan-to-value of up to 100% of home's value and/or second lien position are available depending on credit. Rates determined by term, overall credit history, loan-to-value, account relationship with the credit union and type of property. Conventional stick built residences only. Wall Street Journal Prime Rate currently is 5.00%. Last change date was 6/20/2018. Rate cap of 2% per change, 6% life of loan, maximum rate of 16%, Rate Floor of 2.5%. 5 year draw period and repayment period of up to 180 months (depending on balance due at the end of the draw and product selected). 1-4 family, owner occupied residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater.

Recreational Vehicles & Equipment

*APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle, terms of loan and relationship with credit union. Loans for collateral older than 10 years are factored at personal/unsecured loan rates.

Kasasa Cash

**APY=Annual Percentage Yield. APYs accurate as of 06/01/17. Rates may change at any time. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.50%; and (3) balances over $25,000 earn 0.25% dividend rate on portion of balance over $25,000, resulting in 2.50% - 0.70% APY depending on the balance. If qualifications are not met, all balances earn 0.00% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying check card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit one account per SSN.

Kasasa Saver

*If qualifications in Kasasa Cash or Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $15,000 in Kasasa Saver receive an APY of 1.0%; and (2) balances over $15,000 in Kasasa Saver earn 0.25% dividend rate on portion of balance over $15,000, resulting in 1.0% - 0.35% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit one account per SSN.